Questions in regards to Credit Report post discharge

[hashtag]

Hi All,

I have been going through all credit reports weekly recently since myannualcreditreport gives you access weekly right now due to covid. I have found some inconsistencies in reporting from between each of the CRAs because of how they report. Can someone please help me understand exactly what it is I should make sure is accurate on each CRA and each account?

On a recent dispute with TU, they did update some of the things I asked to update but it still seems wrong?

- Pay status says "Account Included in Bankruptcy"

- Date closed is wrong because it was even before I filed for Ch7

- Remarks say Ch7 - Closed by credit grantor

- The only balance items I see are 'High Balance' and 'Credit Limit' - both of which are NOT 0s

I was under impression it should say 0 and IIB - but it doesnt quite say that. Thank you for any and all help 

[FireMedic1]

Old closed accounts will say IIB. Its a weird thing. Doesnt mean much. But all accounts should show IIB and $0 balance. It is a violation to list any balance after DC. Send a copy of your schedule (list of creditors that were in your BK) and a copy of your DC document to the CRA's certified mail return reciept. If they dont clear things up. The CFPB time for a complaint. Most lawyers can the door on people once their job is done. But of you have a decent lawyer. They can send a letter to fix it or face a $1000 fine plus court/attorney fees.